Remote Deposit

To help you use Remote Deposit to the fullest, we offer a number of online help resources. Below you will findFrequently Asked Questions(FAQs). Currently there are two ways you can deposit checks remotely – through Online Banking with a scanner or through Mobile Banking with a smartphone.If you have trouble using Remote Depositcontact usat your convenience and we will personally assist you.

What is Remote Deposit?Remote Deposit offers you a secure, convenient way of depositing paper checks into your account remotely. Use Online Banking with your personal scanner or our Mobile App with your iPhone™ or Android™ smartphone.

What version of South Carolina Federal Mobile App do I need to use Remote Deposit through my smartphone?Remote Deposit is a feature included in the most recent version of South Carolina Federal Mobile App. You must have version 2.0.0 or higher of the mobile app to use Remote Deposit.

When will the funds be available when making a Remote Deposit?Check deposits made using Remote Deposit are subject to verification and will generally be available for withdrawal within one (1) business day.

Once you have received your confirmation number, the system has accepted your deposit. Next, the Remote Deposit administrator will review your deposit and accept or deny it. You will receive notification of this decision.

Deposits received on weekends, federal holidays and Monday through Friday after 5 P.M. ET are processed on the following business day.

Are there limits for deposits made using Remote Deposit?You are not limited to the number of deposits you can make using Remote Deposit. However, there are daily and monthly limits on the deposit amounts that can be processed per user. Members cannot deposit more than:

What do I do with the paper check after the deposit is submitted?Once your check image has been credited to your account, you must retain the check for sixty (60) days. You may not present the original check or any image or substitute check created from the original check for payment at any other financial institution. During this 60-day period, you must store the original paper check securely and you must make the original paper check available to us for review at any time and as necessary for us to facilitate the clearing and collection process, to address third party claims, or for our own audit purposes.